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You’re a good driver and you deserve a reward. Happily for you, most insurance companies agree that you deserve a reward and they offer good driver auto insurance quotes that can save you hundreds of dollars a year.

What is a Good Driver?

The definition of a “good driver” varies from insurance company to insurance company. It typically has to do with having no accidents or traffic violations within a specified time period, usually three years.

There are basically two ways good drivers are rewarded by insurance companies:

* A direct discount to the premium for having no accidents or traffic violations

* A surcharge system, where premiums are increased for drivers who have accidents and traffic convictions

If you believe you meet the criteria for a good driver, check with your company to make sure you are receiving the good driver discount.

Other Auto Insurance Discounts

In addition to the good driver discount, most insurance companies offer other discounts that can help you lower the price of your premium, such as:

* Auto-home discount. To get this discount, place your auto and home insurance with the same company.

* Anti-theft device discount. Install alarms, steering wheel locks, and other such devices to qualify for this discount.

* Good student discount. If you are a student who maintains a high grade point average, you may qualify for this discount.

Ask your insurance professional about these and other discounts you may be eligible for.

Another Way to Save

You can also save on your auto insurance by shopping for insurance online through a comparison website. All you do is complete a simple online application to receive multiple quotes from A-rated insurance companies.

The best insurance comparison websites also have a chat feature, where you can talk with insurance professionals and get answers to all your questions (see link below). There is no better way to get fast, competitive insurance quotes today.

If you’re in the market for both life insurance and a long term investment, a whole life policy might be the answer you’re looking for. What is whole life insurance? It’s life insurance that both protects your family and builds up a tax-deferred savings account.

Advantages of Whole Life Insurance

When you buy whole life policy, part of your premium pays for the policy and the rest is invested by your insurer. The advantages of this type of policy include:

* No expiration date. As long as you continue paying the premium, your family will be protected in case of your death.

* No premium increases as you get older.

* The longer you hold the policy, the more your cash value account grows.

* If you decide you no longer need your policy, you can cancel or surrender it and still receive the cash value you’ve built up.

* You can borrow against the cash value you’ve built up.

* You can earn dividends on your investment.

* Your cash value account grows tax-deferred.

Finding the Best Rate

You need to comparison shop to make sure you’re getting the best rates. To find a cheap rate go to an insurance comparison website and fill out a simple online application. This application will ask you questions such as how much insurance you want to buy and what your age and occupation are.

Once you submit the application you’ll begin to receive quotes from multiple A-rated companies. You can review those quotes at your leisure and choose the one that’s best for you.

If you have questions, the best insurance comparison websites have a chat feature so you can talk to insurance professionals online and get answers to any questions you may have (see link below).

Premiums for identical policies from different companies can vary by hundreds of dollars a year. Knowing this, getting quotes from several companies just makes sense.

Getting Quotes the Easy Way

The best way to get policy quotes is to go to an insurance comparison website. These websites will let you quickly get several quotes from A-rated insurance companies.

Whether you need a traditional policy that offers basic property and liability coverage or a more specialized policy that includes coverages such as flood insurance, an insurance comparison website can help you get quotes to compare.

To get your quotes, all you have to do is fill out a simple online form with basic information about yourself, your home, and your insurance needs. For example, you will need to include:

* How much coverage you want

* What you want your deductible to be

* What year your home was built

* The square footage and construction material of your home

If you have any questions as you fill out and submit your application, the best insurance comparison websites offer a chat feature staffed by insurance professionals who can guide you through the entire process.

The Next Step

Of course, getting your quotes is just the first step. You also need to compare those quotes and choose the best policy.

In addition to the price of the policy, you should also look at the financial strength, customer service and claims history of each insurance company. You can again turn to the Internet as an excellent source of information, looking at:

* Websites from rating companies such as J.D. Power and Associates (jdpower.com) and A.M. Best (ambest.com).